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What We Measure

You can’t see true change unless you measure. So we measure—a lot. We measure basic engagement with Your Money Line and the dashboard, but more importantly, we measure behavior. We’ll show you on average where your employees currently stand financially so you can watch as they change their behaviour throughout the year. With on-demand reporting as well as a personalized quarterly report, you’ll never be in the dark about how your employees are improving financially.

Behavior Changes

1. A moneyline wager is a straight bet on the winner of a game. There are no point spreads attached or any other factors to consider. The sole concern is which side will win the contest. After taking a look at the moneyline odds for a game you’re interested in betting on, you’ll know which side is expected to win.
2. Similarly, using your home equity to fund your children's college education is no longer tax-deductible. At the end of the day, what you use the money for is up to you. Whether or not that use is.
3. At Walmart.com, it's easy and affordable to transfer money online.

Power Percentage®
Net Worth
Average Spending on Housing
Average Consumer Debt
Average Financial Stage

Engagement

Calls to Your Money Line
Emails to Your Money Line
Courses Started and Completed
Learning Activities Completed
Live Web Event Attendance

If you’re a financial advisor...

If you’re a financial advisor, then you know about the retirement crisis in our country. You know that only 25 percent of Baby Boomers believe they have enough money to sustain themselves throughout retirement. And you know that nearly every other personal finance statistic points to a challenging future for subsequent generations as well. The financial industry is well aware of these harsh realities and has been trying to solve the problem. Financial wellness is one of the possible solutions the industry has arrived at over the last decade—but there’s a serious problem.

Financial wellness is suffering from an identity crisis.

In fact, financial wellness used to be called financial literacy, then it was changed to financial wellness, and now some folks are claiming it should be called financial well-being. As an advisor, do you really care?

On top of that, nearly everyone involved in all aspects of financial wellness can’t even agree on what financial wellness programming consists of. Is it education? Is it investing advice?

As a financial advisor, you know what creates action and behavior change—personal conversations with participants. People have very real, very personal financial questions. When they get those answers without being forced to sift through generic educational materials, action occurs. The problem is, as you already know, one-on-one guidance has never been scalable. Well, until now.

Your Money Line was created to answer people’s specific and personal questions, with people.

How do I use the help line, and what kind of questions can I ask?

Our Financial Concierge Team can answer any of your financial (non-securities) questions. For example:

• I’m drowning in credit card debt. How do I pay it off?
• I need help with paying off my student loans. Can you help?
• I’m in collections and don’t know what to do next.
• Can you help me decide whether we should rent or buy?
• I’ve inherited money and don’t know what to do with the unexpected money.
• Should I purchase term or whole life insurance?
• I’d like to start saving for my child’s college expenses. Where do I start?
• I feel like I am doing well financially. Is there anything I could improve?

Where Is Your Money Line

Will the Financial Concierge try to sell me anything? What are these calls like?

Our Financial Concierge Team will never try to sell you anything. They are only in the business of providing answers and actionable financial help. Most calls will take around 15 minutes. Your trained expert will follow up with you after the call to document next steps. You can call this phone line as often as you need. Your personal profile will be saved so you can reference previous conversations with the expert.

What is the Your Money Line Dashboard?

The dashboard is your online hub that helps you manage your day-to-day and long-term finances. After creating your private, unique account, you’ll be prompted to take a brief assessment. This assessment will determine exactly what your next financial steps should be. Additionally, you’ll have access to hours of video content, podcasts, articles, calculators, and digital money trackers.

What is my Power Percentage® and why is it important to me?

Your Power Percentage® is a special metric which measures healthy financial behavior. It helps you determine whether or not you're too dependent on your income as you head toward retirement.

How often should I update my Power Percentage® and other dashboard tools?

Ideally, your financial behavior gets better and better each month. As you pay down more debt, add more money to your retirement plan, and adjust your budget, you should reflect those changes using the dashboard tools.

Does it matter what my income is to participate in Your Money Line?

No. What you do with your income matters. People of all income levels suffer from financial wellness issues. Your Money Line is a way for you to learn, ask questions, and grow financially—no matter where you are starting from.

My Money Line Dance Video

What are some of the Dashboard Courses I can take?

Point Spread

• Your Money Life for your 20s, 30s, 40s, and 50s
• Having a Baby
• Credit
• Mock Retirement
• Basics of Investing
• How to Pay off Student Loans
• And more!